CAGR calculator
The steady yearly growth rate that turns a starting value into an ending value. ₹1,00,000 that became ₹2,00,000 in 5 years grew at a CAGR of 14.87% a year.
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Your figures
Part of a year works too: 2.5 is two and a half years.
Results
CAGR
14.87%
a year, compounded
- Total return
- 100%
- Gain
- ₹1,00,000
- Multiple
- 2.00×
The ending value is lower, so the growth rate is negative.
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Growing at that rate each year
Year by year
| Year | Value |
|---|---|
| Start | ₹1,00,000 |
| 1 | ₹1,14,870 |
| 2 | ₹1,31,951 |
| 3 | ₹1,51,572 |
| 4 | ₹1,74,110 |
| 5 | ₹2,00,000 |
How this is calculated
CAGR = (ending value ÷ starting value)^(1 ÷ years) − 1
For ₹1,00,000 to ₹2,00,000 in 5 years: 2^(1/5) − 1 = 0.1487, or 14.87% a year.
- Years can be part of a year: 2.5 means two and a half years.
- The total return is the whole gain as a percentage of the start: (end − start) ÷ start.
- One amount in, one amount out. CAGR assumes nothing was added or taken out along the way. For a SIP, or any investment with money going in at different times, the right measure is XIRR, which your fund statement shows.
Questions
What’s the difference between CAGR and total return?
The total return is the whole gain over the period. CAGR spreads it into a steady yearly rate, with compounding. A 100% total return over 5 years is 14.87% a year, not 20%, because each year’s growth builds on the last.
Is CAGR the same as average return?
No. The average of yearly returns can mislead: +50% one year and −50% the next averages 0%, but ₹100 becomes ₹150 and then ₹75. The CAGR of that is about −13.4% a year, which is what really happened.
Can CAGR be negative?
Yes. If the ending value is below the starting value, the CAGR is negative: the yearly rate at which it shrank.
See your returns in Quilleaf
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More calculators
Lumpsum calculator
What a one-time investment could grow to at a yearly return.
SIP calculator
What a monthly SIP could grow to, with an optional yearly step-up.
Inflation calculator
What today’s cost becomes after inflation, and what money will be worth.
These figures are estimates to help you plan, not financial advice. Banks, lenders and fund houses round and time things their own way, and rates change: check with them before you decide.